Oh cool, Buzzfeed hired the Coldstone guy!
Nah Adam left Buzzfeed a couple months ago.
And he's better for it
R E D E M P T I O N A R C
T H E R E D E M P T I O N
Maybe now he can break himself of same face syndrome.
The redemption arc of r/ComedyCemetery
What a class act this guy is.
I thought you were being sarcastic. That was really cool of him.
He's a notorious douche tbh
Nah he quit Buzzfeed now.
And now he's currently on his so called redemption arc, where he proves he's actually a good comic creator
Can't tell if this is a troll post or not
Finally, we have buzzfeed on the front page.
Damn, you meme hard.
I remember when Bank of America used to reorder transactions causing deposits to post after debits so they could ding me with overdraft fees.
Wells Fargo still does this.
It is supposed to be illegal. IIRC, BoA lost their class action regarding the practice. I guess they don't care until a lawyer comes knocking.
Remember kids, bank deregulation is a good if you're a bank. Not so much if you're an average Joe.
I swear this has been happening to me at Chase
Bank of Oklahoma does this too.
This is why I left wachovia and why I only use community banks from then on.
No they don't.
Wells Fargo definitely does this. I noticed it with the checking account I had with them and if I remember correctly they have been sued multiple times over it. Fuck WF.
just found out a transaction from an entire month ago ($7!) posted a couple days ago and now i'm 50 bucks in the red. taxes won't be coming this year either and i'm currently looking for a job. just when you think it's looking up honestly. had to vent
the sole time I overdrafted, it was partially my own fault.
The place I rented my apartment from didn't deposit one of my rent checks till like 8 months later. I should have checked to make sure all the checks cleared when I found a positive discrepancy in my account balance.
7! = 5,040
Pepperidge Farm remembers.
this Pepperidge farm sure remembers a lot of things
USAA does not do this, for anyone wondering.
TD bank does this still. They keep getting sued but they don’t care.
I wonder if they flag certain accounts for it, avoiding those with high assets in other accounts with such timing fees.
Like you don't do that to the checking account of the person with 100k in CDs/money markets.
I thought I was really shitty at managing my finances, and then I was going crazy. I close my account and went to a credit union and realize that it was Bank of America moving shit around and causing that to happen. I was furious and told all my friends to immediately close their account and do the same thing. Not only did we end up saving thousands of dollars, but even the overdraft fees were less expensive if we did happen to go into overdraft.
I have an Excel spreadsheet where I put all of my bills and what date they hit my account. It's so successful that it's helped me get out of debt and save more money than ever! If this happens to you, try tracking your bills!
Using cash for entertainment works, too. When you run out, that's that. You're out of entertainment money, so stay home.
That works, but only if you can control your impulse to withdraw more, and also to withdraw a reasonable amount in the first place.
Stay home and drink!
I just keep track of what I buy. How the fuck do people not know how much money they have or how much they're spending?
Because it's hard to keep track of all the bills pulling out of your account.
When I had to keep close track of how much I spent it cost something like a half minute per transaction and an hour a week checking my records against my bank account
That's a cost that was worth it when I needed it, but it was deliberate and took effort so I don't do it now
You're lucky if you can keep track of your money in your head, most can't so most don't bother trying
My wife and I use this. Our finances are separate with our own accounts at different banks, but all household bills are split proportionally to our incomes.
Every two weeks we sit down, enter how much we got paid and what the bills are. My spreadsheet is full of formulas that come up with an end total of what each of us needs to put into the joint bills account to pay everything.
We each put in our share, we pay the bills, we have two weeks of total peace knowing everything is paid and nothing is at risk of overdrafting.
Then for my own money I use YNAB.
Want to share your spreadsheet/formulas?
We do the same thing, except we use the Splitwise app to track everything and it makes it way easier than plugging it all into an excel spreadsheet.
We used to do something like that, except it was just a flat 75% from each of our paychecks and didn't bother with formulas. Because anything extra was just used for a big joint purchase at some point, like a vacation.
Have you tried Mint? It helps a lot in managing your finances.
I use excel for bills plus clearcheckbook app for spending.
I, too, am an adult.
No, you are a badger.
I do the same, but with Google calendar. I color code them according to the method of payment, and set notifications for ones I might wanna keep an eye on.
It really helps a bunch, and it's much less daunting than a full fledged buget program. Just gives you an overall idea of how to spend your spare money.
Is this really what this sub is about?
It's nice that Adam Ellis is actually kinda funny know.
I hate to burst your bubble, but you can see the buzzfeed tag in the comic. This is not new.
You like at least one of his old buzzfeed stuff.
Ah, whatever. It's still funny. It was just rarer back then.
Its apparent that he has some talent. Its just that BuzzFeed had a grindy schedule where quality wasnt a priority.
Now that he can focus on quality the chaff that used to get published is on the cutting floor.
I now, right?
UwU whats this
You'd have more friends if you didn't act like this all the time
Mint is pretty good too.
When I last tried it, Mint basically was good for letting you know what you spent money on in the past, but YNAB was lightyears better at helping you figure out how to plan for what you'll be spending in the future.
Free 34 day trial? Why would it be 34 days of all things?
Cannot use it since they made the web app. It was so much better as a standalone desktop application.
I did miss the standalone desktop app initially, but the web app has come a long way. The mobile apps are really nice. There is still work to be done, but they made the right move overall going to a subscription model, I think. Three years in, they’re doing a good job of releasing improvements and new features regularly.
That being said, to each his own. The desktop app is still available—I fired it up the other day to reference an earlier budget.
I use the free version of every dollar and it works well
How can one comic artist so consistently make r/ComedyCemetery content?? Even a broken clock is funny.
Oh no, you’ve missed the redemption arc!
He quit somewhere and now works somewhere else? I'm assuming there's more to it than that...? To be fair this is one of the least awful ones, but I have PTSD from how shit other ones have been...
Can that asteroid get here before I need to pay them please?
This is actually funny
BOFA will get that ass
OMG PURE RAGE! FUCK CREDIT CARDS! Went abroad to canada, had to use credit card instead of maestro (kinda like a debit card.)
Went to subway, thinking hey I still have a lot of money on my acc... Declined.
Uh, did you max out your card?
Credit cards are legitimately better then debit cards in every way.
ya when I first got a credit card I maxed it out a few times as it was a pretty low limit.
How. You can pay with money you don't have which leads you to pay even more money, because you have to pay money for the money you don't have.
Edit: also I set a block so that I can't get in debt.
Yeah granted I’m not in my 20s anymore, but this whole “whoops where did my money go” thing is just foreign to me.
You track your spending, balance your bank account regularly, and make a list of what bills are due when. This isn’t that hard people.
Now that I think about it, I HAVE been doing this since my 20s.
Im ok about it. I still fuck up occasionally, everyone makes mistakes.
No for sure, me too. More often than not it’s my wife that bought something without telling me.
So put my wife’s face on that meteor and then the comic hits home.
Yesterday I got super lit and spent 45 dollars on Uber’s
I’m about to kill myself
I just turned 20. Every now and then I have the “where’d that $200 go?” But also, just check your statements and you’ll be fine.
I have it set up so I have my bills on one account, and get my checks from my part time job deposited directly into there, and have a second account for spending on things like concert tickets, baseball equipment, etc. (not very much. Maybe $75-$100 per month) and have my money from summer jobs / birthday, xmas, etc gifts put into that account.
Of course this isn’t doable for everyone, but I’m fortunate enough to be in college (lots of scholarships, fin. aid, parents paying ~$2000 each per year) and not have to worry about “real” bills.
Wait, I don't worry about being overdrawn anymore... Am... Am I rich now?
Perhaps just "not poor"
But the pending transaction probably made someone else even happier so in reality the world happiness increased
Do other people's banks really do this and they're still a customer? Just don't stand for it. Get a different bank/credit union
My banking app treats pending transactions like they've already been taken out of my account. If I have $150 in the bank, and I go eat for $10 but it's pending, it'll show I have $140, just the $10 is pending. So I don't get blind sided by pending cost. I'm surprised more banks don't do this?
This is why I don't tip at bars using my credit card anymore. I just leave cash.
Why does his thumb have a mouth? And why is it screaming in terror? (Once you see it...)
more like 'wellthatsnotfunny'
This is why you have a nice spreadsheet with all your incoming expenses pre subtracted from your start of the month balance. It won't help with the overdraft, but at least you'll see it coming.
Is overdrawing your account really that common? Seriously, be smart with your money folks.
That's not gonna go well with the financially irresponsible
I've noticed it boils down to some banks and people tending not to read the contract they sign when dealing with their bank. Even here in the states it's not a common thing, but it is pervasively prevalent if you know what I mean.
It used to be worse, though.
Pre-2008 it was common for banks to reshuffle around deposits and whatnot without notifying the bank user, along with there being no restriction to how many times a bank could attempt a transaction. So to use a real life example that happened to a friend while we were in school:
He went to pay for a hotdog because he had 5 dollars in the bank and deposited $30 dollars in cash. It was mid afternoon and we had gone to the bank that early morning. His card was declined after a single swipe and after calling to see what was up (in an era were flip phones were still the only way to use a cell phone), it turns out, in order:
He had been charged for something he bought the other day immediately, so he was already had negative funds at the start of the day and didn't know because it wasn't the bank's policy to notify him.
Despite having made a deposit in person hours earlier in the morning, his money hadn't hit his bank account.
Because of "Inquiries made during the transaction process and due to the machine used" (their literal words), he had been apparently had $0.01 moved in and out of his account. 3 times. Which incurred overdraft fees each time, on top of the most recent attempted transaction.
His bill came out to ~$110 after the 30 dollars hit his account.
I remember this day because I was already on the fence about overdraft fees and whatnot. This was a codifying moment that got my friend (who was usually lax) to irrationally drive down to the bank and demand they sort it out, in a manner much meaner than what I just said.
/r/comedycemetery is going to have a field day with this post
I thought I was on /r/comedycemetery. I haven't ever seen Adam in any other subreddit.
Oh, you mean massdrop randomly coming up in something you thought you had already payed for 3 months ago and still won't expect for another 3 months?
Seems like a proper time to share my favorite song in the entire world
You can change the dates of all your bills. Just call.
When you pay through PayPal and it hasn’t gone through
If you use a BillPay service from your bank, you can schedule them to align closely with pay periods so no “surprises”.
My life right now. lol
These confirmation times are why banks will never work.
Pending transactions are a different kind of loss
“We’re just gonna take out all withdrawals first, even though a deposit was technically put in before some of those. Oops, you’re overdrawn.”
I have a deep connection to this picture. Like reallt deep. So deep that i might take it out to dinner.
Edit: Nevermind. Got transactions pending.
Is this really what this sub is for?
i hate banks.
not this specific comic tho
What’s even worse is when your paycheck comes on the weekend of payday, and your work pays you the Friday before and the bills come the Monday after
I have been mocked by those younger than myself for keeping a register. I tried to teach my kids to do it, but “nobody does that anymore dad!” Tracking your money has merits.
I think this guy is actually okay now that he left buzzfeed
he's getting better...
I’m so happy Adam finally got his chance to breathe free with his comics. Good for him
I’m so proud of how far Adam Ellis ya come since leaving Buzzfeed
Jimmy Neutron grew a beard.
I remember when this used to be me and I can't appreciate enough that it's not anymore
I'm not sure how I feel about this post.
This is my life, it is the worst
SIMPLE BANK has solved this problem with their integrated envelope-style budgeting tool. Also, $0 means $0. They do NOT play the overdraft game.
Simple has been awesome for me. Though its slightly terrifying sometimes...
Buzzfeed is gay
Adam Ellis no longer works for Buzzfeed.
R/hailcorporate sneaky sneaky Wells Fargo
Thats... not how hail corporate works.